Show stage-aware + consistency-adjusted profit target on dashboards

State API now returns effectiveProfitTarget = max(stage profit target,
maxDay/consistency). When a big day forces the consistency rule, this
reflects the actual amount needed to complete the stage — not just the
base profit target.

Main dashboard and account detail page now display this instead of the
raw cfg.profitTarget.

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

app/accounts/[id]/page.tsx

@@ -247,7 +247,7 @@ export default function AccountPage() {
         ? Math.round((account.amount - cfg.accountSize) * 100) / 100
         : Math.round(fifoTotal * 100) / 100;
     const profitPct    = cfg?.accountSize ? (totalProfit / cfg.accountSize) * 100 : null;
-    const profitPassed = cfg != null && totalProfit >= cfg.profitTarget;
+    const profitPassed = cfg != null && totalProfit >= (account.effectiveProfitTarget ?? cfg.profitTarget);
     // dailyTarget is computed server-side in the state API — single source of truth.
     const dailyTarget = account.dailyTarget ?? null;
     const lossPassed   = !hasLossLimit || (cfg != null && totalProfit >= cfg.minDayPnL);
@@ -379,7 +379,7 @@ export default function AccountPage() {
                         <ObjRow
                             passed={profitPassed}
                             label="Profit Target"
-                            value={cfg ? `$${fmt(totalProfit)} of $${fmt(cfg.profitTarget)}` : '—'}
+                            value={cfg ? `$${fmt(totalProfit)} of $${fmt(account.effectiveProfitTarget ?? cfg.profitTarget)}` : '—'}
                         />
                         <ObjRow
                             passed={daysPassed}

app/api/state/route.ts

@@ -38,6 +38,7 @@ export async function GET() {
                     : allFundTxns;
                 let targetHit = false;
                 let dailyTarget: { amount: number; path: 'first_day' | 'normal_day' | 'reduced_day' } | null = null;
+                let effectiveProfitTarget: number | null = null;
                 if (cfg && !isDead) {
                     const withdrawalStages: { profit: number; consistency: number; minTradingDays: number }[] = (() => { try { return JSON.parse(cfg.withdrawal_stages ?? '[]'); } catch { return []; } })();
                     const effective = resolveEffectiveConfig(
@@ -52,6 +53,15 @@ export async function GET() {
                     const equityProfit = cash.amount - cfg.account_size;
                     const target = computeDailyTarget(effective.profitTarget, effective.consistency, dailyPnL, cfg.min_day_pnl, effective.minTradingDays, equityProfit);
                     dailyTarget = target;
+
+                    // Effective profit target = max(stage target, consistency realTarget).
+                    // If a big day forces the consistency rule, the account must reach maxDay/consistency
+                    // in total trading profit for the stage, not just profitTarget.
+                    const qualifying = cfg.min_day_pnl === 0 ? dailyPnL : dailyPnL.filter((d) => d.pnl >= cfg.min_day_pnl);
+                    const maxDay = qualifying.length > 0 ? Math.max(...qualifying.map((d) => d.pnl)) : 0;
+                    const consistencyReal = (effective.consistency > 0 && effective.consistency < 1 && maxDay > 0)
+                        ? maxDay / effective.consistency : 0;
+                    effectiveProfitTarget = Math.max(effective.profitTarget, consistencyReal);
                     // Condition 1: profit target already exceeded (target=0), still need days → any activity counts
                     // Condition 2: target > 0 → must have made at least the computed daily target
                     if (target) {
@@ -75,6 +85,7 @@ export async function GET() {
                     totalProfit,
                     targetHit,
                     dailyTarget,
+                    effectiveProfitTarget,
                     dailyPnL,
                     fullDailyPnL: client.fullDailyPnL?.[acc.id] ?? loadDailyPnL(acc.id),
                     fundTransactions: displayFundTxns,

app/page.tsx

@@ -135,7 +135,7 @@ function AccountRow({ account, firm, hideDead, privacy }: { account: AccountStat
             </td>
             <td className="px-4 py-3 text-slate-600 tabular-nums">
                 <div className="flex flex-col">
-                    <span>${cfg?.profitTarget?.toLocaleString() ?? '—'}</span>
+                    <span>${(account.effectiveProfitTarget ?? cfg?.profitTarget ?? 0).toLocaleString(undefined, { maximumFractionDigits: 2 })}</span>
                     {account.dailyTarget && (
                         <span className="text-xs text-slate-400">${fmt(account.dailyTarget.amount)} today</span>
                     )}

types.ts

@@ -36,6 +36,8 @@ export interface AccountState {
     targetHit: boolean;
     /** Next trading day's target, computed server-side. null when account is dead or config is missing. */
     dailyTarget: { amount: number; path: 'first_day' | 'normal_day' | 'reduced_day' } | null;
+    /** Actual profit target to hit — max(stage profit target, consistency realTarget = maxDay/consistency). */
+    effectiveProfitTarget: number | null;
     /** Current cycle daily P&L — used for target calculations. */
     dailyPnL: { date: string; pnl: number }[];
     /** Full P&L history across all cycles — used for calendar and equity curve display. */